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Pensacola, FL  32526
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Boat Insurance

What does Boat Insurance cover?

Most boat policies cover physical damage to the hull, sails, machinery, furnishings, and most other equipment that is normally used on board. Most dangers are covered including vandalism, malicious mischief, and damage which results from collision or sinking.

Insurance needs differ depending on the type, age, or value of the boat or watercraft you own. Your policy will explain in detail what is covered and what is specifically excluded.

What about Liability Coverage for your boat policy?

You are also insured against liability losses. You are covered for damage you may cause to another boat, yacht, personal water craft, sailboat or dock, and for bodily injury or death to another person while operating your vessle.

Under most boat policies, the boat trailer is covered against physical loss or damage from any external cause.

What additional coverage is included on a boat policy?

You may purchase optional coverages, such as:

• Coverage for your personal property
• Coverage for your fishing equipment
• Coverage against injury to you caused by an uninsured boater

What types of boats can we help you insure?

• Bow Rider - Open bow type of boat with seating. They are best suited for use in lakes and inland waterways.
  
  
• Center Consoles - Single decked open hull boats with the operator's console (helm) in the center of the boat. Work great as fishing boats. Most are powered by outboard motors.
  
  
• Cuddy Cabin - A boat that contains a small cabin in the bow..
  
  
• Walk Around - Cross between center console and a cuddy boat. Generally used as fishing boats and they contain a small cabin.
  
  
• Ski Boats - Flat bottom, high torque boats designed to safely tow water skiers. Powered by high-horsepower engines.
  
  
• Pontoon - Relatively inexpensive, flat hulls that sit on pontoons. Commonly referred to as "party boats". Should only be used in calm inland waters.
  
  
• Jet Boats - Propelled by a jet of water ejected from the back of the craft. Come in a variety of sizes.
  
  
• Personal Watercraft (PWC) - A watercraft used for recreational purposes that you sit or stand on. Often referred to as WaveRunner, Jet Ski or Sea Doo which are actually brand names.
  
  
• Sailboats - A boat propelled partially or entirely by sails. Can be used for racing, sport or just cruising.
  
  
• Bass Boats - A small, flat bottom boat used primarily for bass fishing in inland waters. They are often equipped with swivel chairs for easy casting.
  
  
• Commercial Vessels and P&I
  
  
• Private Pleasure Craft from $50,000 to $200,000,000.
  
  
• Cargo Commercial Fishing
  
  
• Charter International Risks

Is my boat covered when it's not in the water?

It's covered if you have physical damage (comprehensive and collision) coverage.  Liability, Uninsured Motorist and Medical Payments coverages only respond when your boat is in the water.

If I am in an accident while towing my boat who pays for the
damages?

If your boat is damaged your boat policy will respond if you have physical damage (comprehensive and collision) coverage on your policy.

Simply call 850-378-2500 or complete our online quote request form.Your local GreatFlorida Boat Insurance Agent in Florida will help you find the best deal for you.

Get a Quote Online

About Boat Insurance in West Pensacola, FL

A subtropical climate with almost 1,200 miles of coastline creates the ideal conditions for boat owners in West Pensacola, FL. GreatFlorida Boat Insurance will dissipate your worries so you can relax and have safe fun on the water.

Donna Creel at GreatFlorida Insurance West Pensacola, FL offers customized boat insurance policies to guard against unexpected damages, replacement and liability.  Whether you plan to fish, water ski or enjoy the sunset, we cover many different boats with optional coverage to reflect your lifestyle.

Boat Insurance will give you peace of mind while you are out on the water. GreatFlorida Insurance offers boat owners in West Pensacola a variety of protection from the risks of owning, operating and towing your boat.

GreatFlorida Boat Insurance provides coverage to jet skis, sailboats, yachts, fishing boats, ski boats and more. GreatFlorida Insurance carries top notch marine insurance policies to protect your vessel. Contact Donna Creel at GreatFlorida Insurance today and our they will get to work for you with a simple, free quote.

Whether you currently own a boat, yacht, personal water craft, sailboat or are a prospective buyer, Donna Creel at GreatFlorida Insurance West Pensacola, FL can help you find the right Boat Insurance policy at the right price.

GreatFlorida Insurance shops all the major carriers in West Pensacola, to find the best policy and the best rate. Easy, Low-Cost and Worry Free. That's the GreatFlorida Insurance promise.

Simply call 850-378-2500 or complete our online quote request form.

by GreatFlorida Insurance

4/18/2018

2018 Earth Day is this Sunday, April 22. The theme for this year’s Earth Day focuses on ending plastic pollution. Single-use plastic is believed to be the biggest source of trash in and around water worldwide.

We use plastic everyday- plastic bags, toothbrushes, water bottles, product packaging. It’s hard to go a day without plastic,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent boat insurance agency.

Some alarming statistics about plastic include the following:

2.5 million plastic bottles are used every hour in the U.S. (Recycle Across America)

8 million metric tons of plastic enter the ocean every year (Recycle Across America)

The Great Pacific Garbage Patch, the world’s largest collection of floating trash has grown to 600,000 square miles, twice the size of Texas. (Scientific Reports)

According to the website, Earthday.org, plastic poisons and injures marine life, disrupts human hormones, litters beaches and landscapes and clogs our waste streams and landfills. The movement is hoping to inspire and inform people into changing their attitude about plastics.

So, what can one person do to make a difference? Below is a list of suggestions to help you reduce the use of plastic.

Carry your own reusable shopping bags to the store.

Stop buying bottled water, carry a reusable water bottle.

Use a refillable mug at the coffee shop, you can even get a discount for it.

Say “no” to straws.

Checking your packaging. When possible, choose paper packaging over plastic, such as a box for pasta rather than a plastic bag.

Trade in your disposable razor for one you that you only must switch out the blade.

Change up your food storage. Instead of using plastic baggies or plastic wrap, try mason jars, bento boxes or glass containers.

Recycle

“Doing something is better that do nothing,” reminds Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent boat insurance agency.

If we all try and make one or two changes to our plastic use, collectively, we can make a difference. Consumer choice speaks loudly.

 

 

 

The post Trashing the ocean appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

4/5/2018

Recently, an 11-ft. alligator made its way into a homeowner’s swimming pool in Sarasota, FL after busting through the patio screen.

A seven-ft. alligator caused a traffic jam on Easter Sunday in Jacksonville, while trying to cross Interstate 295.

Warmer weather is bringing out alligators.

“Most Floridians have seen an alligator lurking around, especially golfers,” comments Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent boat insurance agency.

In 2017, the Statewide Alligator Nuisance Program (SNAP), received 13, 210 nuisance alligator complaints resulting in the removal of 8, 455 nuisance alligators.

According to the Florida Fish and Wildlife Conservation Commission (FWC), This once endangered species, has a healthy and stable alligator population estimated at 1.3 million in a variety of sizes just in Florida. In addition, alligators inhabit all 67 counties in Florida

An important part of Florida’s wetlands and eco-system, alligators become more active when the temperature rises and their metabolism increases. Mating season is from April – June.

“While alligators are a part of the Florida landscape, you certainly want to keep your distance,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent boat insurance agency.

Alligators are unique, in the fact they that inhabit land and water. This feature also makes them very dangerous. American zookeeper, Jack Hanna says an alligator can outrun all human creatures within the first 20-30 feet of exiting the water, making it very difficult for humans to outrun alligators.

The Key West Aquarium, has advice for living with alligators:

Avoid feeding an alligator, it is dangerous and illegal.

Stay at a safe distance of at least 50 feet away.

Do not approach an alligator to take a selfie.

Avoid checking to see if an alligator is alive.

Before entering a freshwater stream, lake or spring, check around. Alligators are often around even if you don’t see them.

Keep pets on a leash and away from the water.

Steer clear of water at night.

If one bites you, make as much noise as possible. Work hard to get away, use force and try poking at their eyes.

People with concerns about an alligator can call the Nuisance Alligator Hotline, 866-FWC-GATOR (866-392-4286).

 

 

 

 

The post Here come the alligators appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

3/21/2018

National Marine Manufacturers Association reports boat sales have increased every year for the past six years. Florida leads in boat sales and this year is expected to be no different, due to a surge in consumer spending as well as an increase in affordable boating options to hit the market.

“Technology has influence everything including boat design,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent boat insurance agency.

So, what new trends can you expect to see out on the water this year? We will preview some of the most popular designs.

Digital dashboards

Dashboards have gone touchscreen and include mobile adaptions. These streamlined multi-functioned displays control the stereo, fish finder, gas levels, map position and GPS. The high definition screens can go up to 24 inches. They are designed to be viewed from any angle and do not block out when viewed through polarized lenses. Boating Magazine details additional electronics that are hot this year.

Pontoon boats

Pontoon boats are going upscale. Comfortable seating, the ability to accommodate so many and the convenient dock level entry gate, make pontoon boats universally appealing. Builders are offering painted tubes to prevent discoloration, music streaming abilities, mood lighting, wake board towers, barbeques and wet bars. Performance models keep up with speed boats, while twin engine and even triple engine pontoons, with up to 900 horsepower on the transom, really move.

Deck boats

Deck boats are coming back thanks to outward-powered designs. Outward-powered deck boats are more affordable and offer more interior space.

Flooring

Builders are finally ripping out the carpet and trading it for synthetic flooring. The new synthetic flooring is non-skid, quick drying and durable. Eliminating mold and rotted floors.

Ventilated storage lockers

With ventilated storage lockers, your gear doesn’t have to fight rust and mold. These news lockers include a power fan and utilize a timer.

LED Lighting

LED lighting is replacing the old bulb system. It is fully sealed to eliminate corrosion. LED lights last considerably longer while consuming little power to avoid battery drain. A variety of colors are available to express your style.

“Many homeowners, mistakenly assume that their boat is covered under their homeowner’s insurance,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent boat insurance agency.

“Depending on your homeowner’s insurance policy, you might have limited coverage on a small vessel on your property. Boat insurance is highly recommended to protect you, your passengers and the boat as well as any new equipment and upgrades, reminds Buck.

The post 2018 Boating Trends appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

3/7/2018

Self-storage is a $38 billion a year industry. According to Sparefoot, an online source for self-storage information, over nine percent of households rent a self-storage unit. While Floridians spend an average of $88.68 a month on storage unit rent.

The Self-Storage Association reports half of all units are rented for a year. Many people find storage units a temporary solution during a move or while in transition. “A lack of attics and basements in Florida homes might leave you short on storage space,” says Ellsworth Buck, Vice President of Great Florida Insurance, Florida’s largest independent homeowners insurance agency.

However, not all storage rentals are temporary. 30 percent rent for two years or more. Of longer term renters, fifty percent are simply storing what does not fit in their home.  And others have sentimental items they emotionally cannot deal with. While some are storing items they no longer need or even want. Often, long term self-storage renters forget what is in the storage unit.

Whether you appreciate your self-storage unit or loathe it, make sure your items are insured. Before renting a storage unit, contact your insurance agent or review your homeowners insurance or renters insurance. Your homeowners insurance or renters insurance policy may protect your items in storage.

“When you sign up to rent a storage unit, the self-storage company may try to sell you insurance, but chances are you already covered,” says Ellsworth Buck, Vice President of Great Florida Insurance, Florida’s top independent homeowners insurance agency.

Check if your policy covers items that are stored at an alternate location other than your home. While a renters insurance policy or homeowners policy will cover your belongings, it might not cover them as fully as the ones kept in your home.

Stored belongings might only be covered by a small percentage. A homeowners insurance or renters insurance policy usually protects personal property up to 10 percent of the amount of coverage in your policy.

Exclusions your homeowners or renters policy might not cover include flood or water damage, mold and mildew as well as losses incurred from the failure to maintain the unit properly, which is the responsibility of the storage company.

If you are storing a valuable collection, you might require a personal liability or umbrella policy for additional coverage and peace of mind.  If you plan to keep a vehicle, motorcycle or ATV, you will most likely require separate auto insurance.

To properly safeguard your things selecting a storage facility to suit you and your belongings. Make sure to look for the following when shopping for a unit.

Gated facilities

24/7 security camera

Keypad access or a lock with short arms resistant to bolt cutters

Inspect the unit for pests or leaks before renting.

Choose a climate controlled unit that will protect against mold and mildew.

Do an inventory of what you have in storage along with the estimated value of each item and a picture.

The post Self-storage, a blessing or a curse? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

2/27/2018

The Florida Highway Patrol reports recently, that an elderly man was driving the wrong way on a Florida highway in an RV. The RV struck a truck head on, killing the truck driver and passenger. Three days later, the RV driver also passed from his injuries. Not only was the senior driver driving the wrong way, his lights were not on at the time of the crash. 29 days before the accident, he passed a driving test in his home state of Michigan.

After hearing a tragic story like this, it’s tempting to set age restrictions on a driver’s license. “Keep in mind, people age at differing rates,” reminds Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent auto insurance agency. One 75-year-old can barely get out of bed in the morning, while another person the same age, does yoga and goes for a run.

A decline in vision, cognitive functioning (the ability to reason and remember), physical limitations along with medical conditions and prescription medication can hinder the ability to drive. The most common condition the Department of Motor Vehicles (DMV) decides to restrict a license is for failing cognitive skills including memory, coordination and flexibility.

Although, more options are available for aging drivers. “Driver programs and car innovations are readily available to meet the challenges of senior drivers,” said Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency.

For example, The Florida Department of Highway Safety and Motor Vehicles (DHSMV), has developed the Florida GrandDriver program for aging drivers. It is an education and outreach initiative that provides information and resources on driving safely and how to plan for safe transitioning from driving. Also, Driver Rehabilitation Specialists offer refresher courses to keep driving skills sharp.

While it is important for senior drivers to maintain their driving independence, eventually elderly drivers and their family must have the difficult conversation about when driving capabilities are beginning to diminish and causing potential danger for others on the road and themselves. Consumer Reports found safety is the biggest motivator for handing over the keys.

How do you know it is time to have that awkward discussion with your loved one? AARP, has some warning signs that indicate a person should begin to limit or stop driving.

Delayed response to unexpected situations.

Becoming easily distracted while driving.

Decrease in confidence while driving.

Having difficulty moving into or maintaining the correct lane of traffic.

Hitting curbs when making right turns or backing up.

Getting scrapes or dents on car, garage or mailbox.

Having frequent close calls.

Driving too fast or too slow for road conditions.

The DHSMV requires that Florida drivers age 80 or older who renew their license undergo a basic vision test.

 

The post Too old to drive? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

2/21/2018

Across the country hearts are heavy, grieving the tragic school shooting in Parkland, Florida. “These tragedies impact our communities-our parents, our children, our school professionals, our first responders-the mental health of our whole country,” reminds the professionals with the National Alliance on Mental Illness.

“Even if someone is not involved directly traumatic events, especially within our state, burden our hearts and minds,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent health insurance provider.

Many people experience sadness, anxiety or anger. Some have trouble sleeping and difficulty concentrating. Their minds are dominated by the details of the event. These symptoms typically decrease over time.

Effective and healthy ways to cope during this time include:

Talking to your children about the incident, discuss how it makes them feel.

Limit news and social media exposure. Continuous exposure causes a person to relive the trauma. Also, descriptions and images in the media can cause fear in kids going to school.

Maintain your normal routine.

Connect with people in positive ways. Talk with people and take the time to listen to others. Tell people you care about that you love them.

“Doing something for others can help you channel stressful feelings,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent health insurance provider.

However, the National Institute of Mental Health (NIMH), points out that in some cases the anxiety will continue and interfere with everyday life. For people who continue to experience the effects of trauma, it is important to get professional help. Signs to look for include the following:

• Worrying a lot or feeling very anxious, sad or fearful
• Crying often
• Having trouble thinking clearly
• Having frightening thoughts
• Feeling angry
• Having nightmares or difficulty sleeping
• Avoiding places or people that bring back disturbing memories and responses.

Our world seems to be experiencing tragedy and stress on a more frequent basis. Be sure to slow down and be kind to yourself as well as others.

The post Coping with tragedy appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

2/14/2018

“Central and south Florida beaches are seeing what looks like blue balloons wash up on shore but beware of the sting,” warns Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent boat insurance agency.

Strong east winds along with ocean currents are propelling thousands of Portuguese man-of-wars toward Florida’s east coast beaches, from Jacksonville to the Florida Keys. Lifeguards are flying purple flags to warn beach goers of the “dangerous marine life.” Over the weekend, hundreds of people were treated for stings.

What is a Portuguese man-of-war?

Usually found in groups of 1,000 or more, Portuguese man-of-wars are often mistaken for jellyfish. According to National Geographic, it is a siphonophore, an animal made up of a colony of individual organisms. The typical size measures 12 inches long, 5 inches wide with long, thin tentacles that can extend up to 165 feet. The tentacles contain stinging nematocysts, venom-injecting capsules, used to paralyze and kill fish and other small creatures. It has a balloon like gas-filled bladder that sits above the water. The man-of-war can come in purple, pink or blue.

The man-of-war sting is agonizingly painful but rarely deadly. Even though they are washed up on shore they can still sting for up to a week. Severe stings can trigger chest pain, difficulty breathing even death. More commonly, they cause pain for 20-40 minutes and welts. They can be especially dangerous to those who are allergic, which are people who also suffer from bee sting allergies.

How to treat the sting

“Do not buy into the misinformation of  popular urban myths that suggest treating the sting by applying alcohol, urine, baking soda, shaving cream,” cautions Buck, with GreatFlorida Insurance, Florida’s top independent boat insurance agency.

Researchers at the University of Hawaii found the best remedy for the sting is vinegar, to remove stingers and tentacles left on the skin. Then immerse in hot water or apply a warm compress for 45 minutes. Additional treatment includes the following:

Alert a lifeguard.

Do not try to remove the tentacles with bare hands. Take a towel and use it to gently unwrap it from the skin.

Rinse with seawater, not freshwater and try to avoid cold water.

Take Benadryl or apply a topical cream.

Currently, Florida is in the height of the Portuguese man-of-war season that is expected to last until late April or early May.

The post Thousands of Man-of-Wars take over Florida beaches appeared first on The GreatFlorida Insurance Blog.